{"id":8390,"date":"2011-12-01T16:31:33","date_gmt":"2011-12-01T13:31:33","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=8390"},"modified":"2011-12-01T16:31:33","modified_gmt":"2011-12-01T13:31:33","slug":"katilim-bankalarinin-karlari-artti","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/katilim-bankalarinin-karlari-artti\/","title":{"rendered":"Kat\u0131l\u0131m Bankalar\u0131n\u0131n Karlar\u0131 Artt\u0131"},"content":{"rendered":"<p>Kat\u0131l\u0131m Bankalar\u0131 3. \u00e7eyrekte karlar\u0131n\u0131 art\u0131r\u0131rken, aktif kalitesi karlar \u00fczerinde bask\u0131 yaratmaya devam ediyor.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3658610748\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"9580705384\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>2011 y\u0131l\u0131n\u0131n 3. \u00e7eyrek sonu\u00e7lar\u0131n\u0131 a\u00e7\u0131klayan kat\u0131l\u0131m bankalar\u0131 toplam kar\u0131 \u00e7eyreksel bazda % 25,4, ge\u00e7ti\u011fimiz y\u0131l ayn\u0131 d\u00f6neme g\u00f6re % 33,9 art\u0131rd\u0131. B\u00f6ylece y\u0131l\u0131n ilk 9 ay\u0131nda kat\u0131l\u0131m bankalar\u0131 toplam kar\u0131 595 milyon TL ile bir \u00f6nceki y\u0131l ayn\u0131 periyoda g\u00f6re % 6,8 y\u00fckselmi\u015f oldu. Banka baz\u0131nda incelendi\u011finde T\u00fcrkiye Finans d\u00f6nem kar\u0131n\u0131 \u00e7eyreksel ve y\u0131ll\u0131k bazda s\u0131ras\u0131yla % 42,9 ve % 59,1 art\u0131r\u0131rken, Albaraka T\u00fcrk % 30,0 ve % 18,2, Kuveyt T\u00fcrk ise % 25,4 ve % 33,9 art\u0131rd\u0131. Bank Asya\u2019n\u0131n net kar\u0131 \u00e7eyrek d\u00f6nem\u00a0 baz\u0131nda % 10,9 art\u0131\u015f g\u00f6sterirken, ge\u00e7ti\u011fimiz y\u0131l ayn\u0131 d\u00f6neme k\u0131yasla %7,6 azal\u0131\u015f kaydetti. Bu y\u0131l\u0131n 3. \u00e7eyrek d\u00f6nemi finansallar\u0131nda dikkat \u00e7ekici unsur kat\u0131l\u0131m bankalar\u0131n\u0131n net faiz marjlar\u0131n\u0131n geli\u015fmesi ve aktif kalitesindeki k\u0131r\u0131lganl\u0131\u011f\u0131n bu geli\u015fmenin olumlu etkisini bir nebze azaltmas\u0131 idi. Y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f \u00f6zkaynak getirileri incelendi\u011finde Albaraka T\u00fcrk, % 17,4 ile \u00f6ne \u00e7\u0131karken, Bank Asya\u2019daki azal\u0131\u015f trendi devam ediyor. Eyl\u00fcl 2010\u2019da % 15,5 olan Bank Asya\u2019n\u0131n y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f \u00f6zkaynak karl\u0131l\u0131\u011f\u0131 Eyl\u00fcl 2011\u2019de % 11,8\u2019e gerilemi\u015f durumda. T\u00fcrkiye Finans ve Kuveyt T\u00fcrk\u2019\u00fcn \u00f6zkaynak karl\u0131l\u0131klar\u0131 ise s\u0131ras\u0131yla % 15,1 ve % 14,6 d\u00fczeyinde bulunuyor.<\/p>\n<p>Kat\u0131l\u0131m bankalar\u0131 aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc y\u00f6n\u00fcnden sekt\u00f6r i\u00e7erisindeki pay\u0131n\u0131 art\u0131rmaya devam ederken, Eyl\u00fcl 2011 sonundaki pay\u0131 % 4,4\u2019e ula\u015ft\u0131. 2007 y\u0131l\u0131ndaki aktif toplam\u0131ndan ald\u0131\u011f\u0131 pay % 3,3 d\u00fczeyindeydi. Y\u0131l\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde kredi hacmi sekt\u00f6r ortalamas\u0131n\u0131n \u00fczerinde artmas\u0131na ra\u011fmen 2&#8217;nci ve 1&#8217;nci \u00e7eyrek d\u00f6nemi finansallar\u0131 hesaba kat\u0131ld\u0131\u011f\u0131nda, kredi hacmi toplam sekt\u00f6r i\u00e7erisindeki pay\u0131 2010 sonundaki % 5,9\u2019tan Eyl\u00fcl 2011\u2019de % 5,5\u2019e geriledi. Mevduat taban\u0131 y\u0131ll\u0131k bazda % 19 olan sekt\u00f6r b\u00fcy\u00fcmesinin \u00f6tesinde % 23,8 art\u0131\u015f g\u00f6steren kat\u0131l\u0131m bankalar\u0131n\u0131n kredi art\u0131\u015f h\u0131z\u0131 ise % 30 ile % 36,9 olan sekt\u00f6r art\u0131\u015f\u0131n\u0131n gerisinde kald\u0131.<\/p>\n<p>Menkul k\u0131ymet portf\u00f6y\u00fcn\u00fcn aktiften ald\u0131\u011f\u0131 pay\u0131n d\u00fc\u015f\u00fck olmas\u0131 nedeni ile kredilerin aktiflere oran\u0131n\u0131n mevduat bankalar\u0131ndan b\u00fcy\u00fck oldu\u011fu kat\u0131l\u0131m bankalar\u0131n\u0131n \u00fclke ekonomisinin gidi\u015fat\u0131na kar\u015f\u0131 hassasiyetinin mevduat bankalar\u0131na g\u00f6re nispeten daha y\u00fcksek oldu\u011fu yorumu yap\u0131labilir. KOB\u0130 kredilerinin kredi portf\u00f6y\u00fc i\u00e7erisindeki % 40\u2019l\u0131k pay\u0131 da bu hassasiyeti art\u0131rmaktad\u0131r. Aktif yap\u0131s\u0131ndaki bu farkl\u0131l\u0131\u011f\u0131n en \u00f6nemli yans\u0131mas\u0131 aktif kalitesindeki k\u0131r\u0131lganl\u0131\u011f\u0131n karl\u0131l\u0131\u011f\u0131 bask\u0131lamas\u0131 olarak g\u00f6ze \u00e7arp\u0131yor. Sekt\u00f6rde takipteki kredilerin toplam kredilere oran\u0131 %2,7 ve bunlara ayr\u0131lan kar\u015f\u0131l\u0131k % 82,3 iken kat\u0131l\u0131m bankalar\u0131n\u0131n takipteki kredi oran\u0131 % 3,0, bunlara ayr\u0131lan kar\u015f\u0131l\u0131k da %69,4. Takipteki kredilerden ba\u011f\u0131ms\u0131z olarak aktif krediler i\u00e7erisinde yak\u0131n izlemedeki olan kredilerin pay\u0131 Bank Asya \u2018da %9,2\u2019lere vard\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. Albaraka, Kuveyt T\u00fcrk ve T\u00fcrkiye Finans\u2019ta ise bu paylar, % 3,4, % 3,6 ve % 2,2 d\u00fczeyinde bulunuyor. Mevduat bankalar\u0131 aktif kalitelerini art\u0131r\u0131rken, kat\u0131l\u0131m bankalar\u0131 gerek sekt\u00f6rel da\u011f\u0131l\u0131m\u0131n nispeten daha d\u00fc\u015f\u00fck gerekse KOB\u0130 niteli\u011findeki kredilerin a\u011f\u0131rl\u0131\u011f\u0131 ile aktif kalitelerinde net bir d\u00fczelme g\u00f6r\u00fclm\u00fcyor.<br \/>\nKredilerden elde etti\u011fi getiri ile mevduat maliyetleri olu\u015fan ile payla\u015fan kat\u0131l\u0131m bankalar\u0131n\u0131n bu anlamda vade fark\u0131 riski mevduat bankalar\u0131 ile k\u0131yasla olduk\u00e7a d\u00fc\u015f\u00fck seyrederken, bunun olumlu etkisi net faiz marjlar\u0131nda g\u00f6zleniyor. Mevduat taban\u0131 vade yap\u0131s\u0131 incelendi\u011finde 1 y\u0131ldan uzun vadeli mevduatlar\u0131n toplam mevduatlara oran\u0131 % 3,6 iken, kat\u0131l\u0131m bankalar\u0131nda bu oran %26 olarak g\u00f6r\u00fcl\u00fcyor. Ayr\u0131ca kat\u0131l\u0131m bankalar\u0131nda vadesiz mevduatlar sekt\u00f6r ortalamas\u0131n\u0131n \u00fczerinde olmak \u00fczere toplam mevduatlar\u0131n 1\/4\u2019\u00fcn\u00fc olu\u015fturuyor. Bu geli\u015fmeler \u0131\u015f\u0131\u011f\u0131nda kat\u0131l\u0131m bankalar\u0131n\u0131n net faiz marj\u0131 mevduat bankalar\u0131n\u0131n aksine 2011&#8217;in 3&#8217;nc\u00fc \u00e7eyre\u011finde art\u0131\u015f g\u00f6sterirken, bu d\u00f6nem itibari mevduat bankalar\u0131n\u0131n net faiz marj\u0131ndan 40 baz puan \u00fczerinde bulunuyor.<\/p>\n<p>Gayrinakdi kredilerin yo\u011fun bir \u015fekilde kullan\u0131ld\u0131\u011f\u0131 kat\u0131l\u0131m bankalar\u0131n\u0131n buna ek olarak kredi yo\u011fun aktif yap\u0131s\u0131 sermaye yeterlilik rasyosunu sekt\u00f6r ortalamas\u0131n\u0131n alt\u0131na \u00e7ekiyor. Mevduat bankalar\u0131n\u0131n sermaye yeterlilik rasyosu %15,3 iken, kat\u0131l\u0131m bankalar\u0131nda bu oran %14,4 seviyesinde.<\/p>\n<p>Sonu\u00e7 olarak 2011 y\u0131l\u0131n\u0131n 3. \u00e7eyrek d\u00f6neminde faiz getirilerindeki art\u0131\u015f ile net kar art\u0131\u015f\u0131 yakalayan kat\u0131l\u0131m bankalar\u0131, takipteki kredilerdeki artan seyir yani aktif kalitesinde mevduat bankalar\u0131na k\u0131yasla d\u00fc\u015f\u00fck seviye neticesinde net karlar\u0131n\u0131 faiz getirisinde iyile\u015fme ile ayn\u0131 oranda art\u0131ramad\u0131lar. Sermaye yeterlilik rasyosu nispeten d\u00fc\u015f\u00fck kalan kat\u0131l\u0131m bankalar\u0131 ekonomik konjonkt\u00fcre daha duyarl\u0131 olarak \u00f6ne \u00e7\u0131karken, gerek duyulmas\u0131 halinde sermaye art\u0131r\u0131m\u0131 i\u00e7in sermayedarlar\u0131n sa\u011flaml\u0131\u011f\u0131 bir de\u011ferlendirme kriteri olarak g\u00f6r\u00fclebilir.<\/p>\n<p>BloombergHT<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kat\u0131l\u0131m Bankalar\u0131 3. \u00e7eyrekte karlar\u0131n\u0131 art\u0131r\u0131rken, aktif kalitesi karlar \u00fczerinde bask\u0131 yaratmaya devam ediyor. 2011 y\u0131l\u0131n\u0131n 3. \u00e7eyrek sonu\u00e7lar\u0131n\u0131 a\u00e7\u0131klayan kat\u0131l\u0131m bankalar\u0131 toplam kar\u0131 \u00e7eyreksel&hellip;<\/p>\n","protected":false},"author":2,"featured_media":4107,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8390","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tumyazilar"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/8390","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=8390"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/8390\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/4107"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=8390"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=8390"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=8390"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}